# Sarah Horne

> Sarah Horne is a fee-only financial advisor at Saltmarsh Financial Advisors in Pensacola, Florida, who holds the CFP credential. Saltmarsh Financial Advisors reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/sarah-horne/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Saltmarsh Financial Advisors
- **Based in:** Pensacola, Florida
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $356.5M across 527 accounts
- **Credentials:** CFP
- **Works with:** Retirees
- **CRD:** 7459371 (https://adviserinfo.sec.gov/individual/summary/7459371)
- **SEC registration:** Investment adviser representative in FL
- **Exams passed:** Series 65 (2022)
- **Firm size:** 6 employees
- **Disclosures:** None reported
- **Website:** https://saltmarshfa.com/

## Frequently asked questions

### Is Sarah Horne a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Sarah holds no broker registration, and Saltmarsh Financial Advisors reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Sarah charge for financial advice?

Sarah's firm, Saltmarsh Financial Advisors, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Sarah Horne based?

Sarah Horne is based in Pensacola, Florida.

### What credentials does Sarah Horne hold?

Sarah Horne holds the CFP credential.

### Is Sarah Horne registered with the SEC?

Yes. Sarah Horne is registered as an investment adviser representative in FL (CRD 7459371), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Saltmarsh Financial Advisors manage?

Saltmarsh Financial Advisors reports $356.5M across 527 accounts in assets under management.

### How do I contact Sarah Horne?

Through Sarah's website, saltmarshfa.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7459371): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://saltmarshfa.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.